Is it cost effective to take insurance for car paint repair, and can you take insurance for paint re

Whether the car repair paint insurance is cost-effective should be calculated according to the actual situation, the car repair paint insurance will affect the premium discount of the second year, it is recommended that the owner calculate in advance how much money is needed to repair the paint, which may affect how much the preferential cost of the second year, if the amount of direct maintenance is more than the amount of the next year's discount, then the insurance reimbursement is more cost-effective; If the amount of direct repairs is less than the amount of the discount for the following year, it is more cost-effective not to go through insurance reimbursement. Car owners can choose according to their own situation.

To calculate, how much does it cost to repair the paint, if it is less, or do not take insurance, if it is more, it is cost-effective to take insurance, because the insurance in the second year is a lot, if there is no insurance accident in the year, the car insurance in the second year can be paid a lot less. Weigh it up yourself, ask the insurance company and the car repair company specifically, and compare.

Touch-ups are available for insurance.

The car insurance claim process.

The details are as follows: 1. Report the case: The first task is to report to the public security organs.

To report a crime, you can choose to report the crime immediately or report it afterwards. Prepare your own materials, and most of them go to the police station where the accident is located to report the case. Second, after the public security organ reports the case, it must immediately report the case to the insurance company, and it cannot exceed 48 hours after the accident;

2. Damage assessment: After reporting to the insurance company, it is required to assess the damage within 48 hours, if you are not free to go to work, drive the car to the vicinity of the company, and wait for the insurance company to come to the door.

If the cost of repairing the car is not high, you can take scratch insurance.

Regardless of the location of the scratches, it is suitable for those who have multiple small scratches on the car. The 4S shop will let the owner take the ** out of insurance, and the rest of the 4S shop can repair the car. If the injuries are concentrated, it is convenient to do the scene, and you can take the car damage.

Remember to take scratch insurance once a year, and save up small injuries together to repair them.

Try not to take insurance when scratching and touching up paint.

If you drive your car to a repair shop to get the paint touch-up, the cost won't be too high. If you have to go through insurance, the insurance company will also settle the claim. However, the premium for the second year will increase a lot due to the increase in the number of accidents.

The cost of this touch-up may already be included in the increased premium, or the premium may be higher.

According to the regulations of the insurance company, the premium for the first purchase of insurance for a new car is about 3,000 to 4,000 yuan. If there is no insurance in one year, the premium for the second year will be reduced accordingly, and if there is no insurance for two or three consecutive years, the premium will be reduced accordingly, and the minimum may be reduced to about 2,000 yuan. If it is an insurance trip, then the insurance cost is the same as the previous year, two or more accidents, the premium will increase to a large extent, if it is more than two accidents, the cost will increase significantly.

If you have been insured 5 times, the premium for the second year is compared with the premium for 3 consecutive years, and the difference in premium alone is more than 1,000 yuan.